Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$151,819Cash toward the purchase price.
Closing costs + prepaids$17,229Not just lender fees.
Before credits & paid funds$169,047The complete starting cash picture.
Estimated remaining funds due at closing
$169,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$151,818.71
Your down payment$151,818.71
Closing costs + prepaids$17,228.77
Total buyer cash needed$169,047.48
Remaining funds due$169,047.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,240.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,500.00
Prepaid interest, first (25 days)$2,019.88
Fees + prepaids$17,228.77
Your down payment is the seller’s equity. You take over the $448,180 balance, so the rest of the $599,999 price is paid at closing. A second mortgage can cover part of it. $169,047.48 is due at closing. Uses and sources reconcile at $617,227.77 each. Not a Closing Disclosure.